If you are looking for cheaper car insurance rates, it pays to get quotes from several different companies. Look for other insurers and the quotes they have to offer. You might be able to find a better rate than your present one. When buying your next car, don’t just take the policy offered you by the car dealer.

- Be wary of most services provided by car dealers. Those service are designed to benefit the car dealer more than you.

Paying a monthly payment of your premium will increase your premium. Try to make an annual payment it saves cost. Doing this on a 0% credit card would help spread the cost. Installment payment can add a 33% increase on your premium.

- Start saving each month so that you have the annual payment available in an interest bearing account when the time comes.

No-claims bonuses are only received when you are a careful driver and avoid accidents. This can save you up to 75% on your policy. You usually get the best bonus if you have made no claim for up to five years. This no-claims bonus can be transferred from one insurer to the other. Your insurer should be able to protect your claims bonus which may not be affected by a minor incident you are involved. Make sure you don’t get any traffic violations in your driving record as this might cause you some problems with your quest for lower rates. So when you are driving you are advised not to drink, make calls and do obey traffic rules, it saves cost.

-Obeying traffic laws has three bonuses: you lower your risk of injury, avoid fines, and keep your insurance rates down.

Vehicles that are rated in the low auto insurance coverage group are cheaper to insure. This saves cost. Alarms and immobilizer in your car also do help in saving cost. But getting a car that is regarded high premium group such as cars that come with huge spoilers, booming exhausts and body kits cost you higher on premium.

- The lower the risk to the insurer lowers your rate.

One determining factor of auto insurance rates is where you park your car. Your premium could be high or low depending on where your car is parked. Parking in the garage or a private driveway is better, if you live in a busy area.

- This leads to lower theft claims.

Start enjoying lower rates today by getting and comparing enough quotes from quotes comparison sites.

Be Sociable, Share!

Tagged with: • • • • • • • • • • • • • • • • • • •

Filed under: Uncategorized

Like this post? Subscribe to my RSS feed and get loads more!